:root {
  /* Identité Cofinom — terracotta/ambre (chaleur & humain) */
  --navy: #2b1d16;
  --navy-2: #3d2a1e;
  --blue: #d9603f;        /* couleur principale (boutons, liens) */
  --blue-dark: #b84a2d;   /* survol */
  --green: #f2a94e;       /* accent clair (coches, mensualité) */
  --ink: #2b211c;
  --muted: #7a685c;
  --line: #ecdfd4;
  --bg: #ffffff;
  --bg-alt: #fbf3ec;
  --radius: 16px;
  --radius-sm: 10px;
  --shadow: 0 10px 30px rgba(60, 35, 20, 0.1);
  --shadow-lg: 0 24px 60px rgba(60, 35, 20, 0.16);
  --container: 1140px;
}

* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: "Poppins", system-ui, -apple-system, sans-serif;
  color: var(--ink);
  background: var(--bg);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }

.container { width: 100%; max-width: var(--container); margin-inline: auto; padding-inline: 22px; }
.narrow { max-width: 820px; }

h1, h2, h3, h4 { line-height: 1.15; letter-spacing: -0.02em; font-weight: 800; }
h1 { font-size: clamp(2.1rem, 5vw, 3.4rem); }
h2 { font-size: clamp(1.7rem, 3.5vw, 2.5rem); }
.section { padding: 84px 0; }
.section-alt { background: var(--bg-alt); }

/* ===== Buttons ===== */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  padding: 14px 26px; border-radius: 999px; font-weight: 700; font-size: 1rem;
  cursor: pointer; border: 0; transition: transform .15s ease, box-shadow .15s ease, background .15s ease;
  font-family: inherit;
}
.btn:active { transform: translateY(1px); }
.btn-primary { background: var(--blue); color: #fff; box-shadow: 0 8px 20px rgba(217,96,63,.3); }
.btn-primary:hover { background: var(--blue-dark); box-shadow: 0 10px 26px rgba(217,96,63,.4); }
.btn-ghost { background: transparent; color: var(--navy); border: 2px solid var(--line); }
.btn-ghost:hover { border-color: var(--blue); color: var(--blue); }
.btn-light { background: #fff; color: var(--navy); box-shadow: var(--shadow); }
.btn-light:hover { transform: translateY(-2px); }
.btn-sm { padding: 10px 18px; font-size: .92rem; }
.btn-block { width: 100%; }

/* ===== Header ===== */
.site-header {
  position: sticky; top: 0; z-index: 50; background: rgba(255,255,255,.88);
  backdrop-filter: blur(12px); border-bottom: 1px solid var(--line);
}
.header-inner { display: flex; align-items: center; gap: 24px; height: 72px; }
.brand { display: flex; align-items: center; gap: 10px; font-weight: 800; font-size: 1.25rem; }
.brand-mark {
  display: grid; place-items: center; width: 34px; height: 34px; border-radius: 9px;
  background: linear-gradient(135deg, var(--blue), var(--green)); color: #fff; font-weight: 800;
}
.brand-name strong { color: var(--blue); }
.nav { display: flex; gap: 26px; margin-left: auto; font-weight: 600; color: var(--muted); }
.nav a:hover { color: var(--blue); }
.header-cta { margin-left: 8px; }
.burger { display: none; flex-direction: column; gap: 5px; background: none; border: 0; cursor: pointer; padding: 6px; margin-left: auto; }
.burger span { width: 24px; height: 2.5px; background: var(--navy); border-radius: 2px; }

/* ===== Hero ===== */
.hero { background: linear-gradient(180deg, #fbeee1 0%, #fff 78%); padding-top: 56px; overflow: hidden; }
.hero-grid { display: grid; grid-template-columns: 1.05fr .95fr; gap: 54px; align-items: center; }
.badge {
  display: inline-block; background: #f6e2d2; color: var(--blue-dark);
  padding: 7px 14px; border-radius: 999px; font-weight: 700; font-size: .85rem; margin-bottom: 18px;
}
.hero-copy h1 { margin-bottom: 18px; }
.lead { font-size: 1.18rem; color: var(--muted); max-width: 540px; }
.hero-cta { display: flex; gap: 14px; margin: 28px 0 22px; flex-wrap: wrap; }
.hero-points { list-style: none; display: flex; gap: 22px; flex-wrap: wrap; color: var(--navy); font-weight: 600; font-size: .95rem; }

.hero-card { display: flex; flex-direction: column; align-items: center; gap: 20px; }
.hero-photo { width: 100%; max-width: 400px; border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow-lg); }
.hero-photo img { width: 100%; height: 200px; object-fit: cover; display: block; filter: saturate(1.08) contrast(1.03) brightness(1.02) sepia(.08) hue-rotate(-6deg); }
.mini-sim {
  width: 100%; max-width: 400px; background: #fff; border-radius: var(--radius);
  box-shadow: var(--shadow-lg); padding: 26px; border: 1px solid var(--line);
}
.mini-sim h3 { font-size: 1.15rem; margin-bottom: 18px; }
.mini-sim label { display: flex; justify-content: space-between; align-items: baseline; font-weight: 600; font-size: .9rem; color: var(--muted); margin-top: 14px; }
.mini-sim output { font-weight: 800; color: var(--navy); font-size: 1rem; }
.mini-result { margin-top: 22px; padding-top: 18px; border-top: 1px solid var(--line); }
.mini-label { display: block; color: var(--muted); font-size: .85rem; font-weight: 600; }
.mini-value { display: block; font-size: 2rem; font-weight: 800; color: var(--green); margin-bottom: 14px; }
.mini-financed { font-size: .9rem; color: var(--muted); font-weight: 600; margin-bottom: 12px; padding: 8px 12px; background: var(--bg-alt); border-radius: var(--radius-sm); }
.mini-financed strong { color: var(--navy); }
.mini-note { font-size: .74rem; color: var(--muted); margin-top: 10px; }

/* Range inputs */
input[type=range] { -webkit-appearance: none; width: 100%; height: 6px; border-radius: 999px; background: var(--line); margin-top: 8px; outline: none; }
input[type=range]::-webkit-slider-thumb { -webkit-appearance: none; width: 22px; height: 22px; border-radius: 50%; background: var(--blue); cursor: pointer; border: 4px solid #fff; box-shadow: 0 2px 8px rgba(217,96,63,.4); }
input[type=range]::-moz-range-thumb { width: 22px; height: 22px; border-radius: 50%; background: var(--blue); cursor: pointer; border: 4px solid #fff; }

/* Trust bar */
.trust-bar { display: flex; align-items: center; gap: 26px; padding-block: 30px 8px; flex-wrap: wrap; color: var(--muted); font-size: .85rem; font-weight: 600; }
.trust-logos { display: flex; gap: 16px 26px; flex-wrap: wrap; align-items: center; }
.trust-logos .bank { display: inline-flex; align-items: center; gap: 9px; }
.trust-logos .bank img { height: 26px; width: auto; max-width: 34px; object-fit: contain; border-radius: 5px; }
.trust-logos em { font-style: normal; font-weight: 700; color: var(--navy); letter-spacing: .01em; font-size: 1rem; }

/* ===== Section heads ===== */
.section-head { text-align: center; max-width: 640px; margin: 0 auto 50px; }
.section-head p { color: var(--muted); font-size: 1.08rem; margin-top: 12px; }
.section-head.light h2, .section-head.light p { color: #fff; }
.kicker { color: var(--blue); font-weight: 800; text-transform: uppercase; letter-spacing: .08em; font-size: .8rem; }

/* ===== Cards ===== */
.cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 28px; transition: transform .18s ease, box-shadow .18s ease, border-color .18s; }
.card:hover { transform: translateY(-5px); box-shadow: var(--shadow); border-color: #ecc9b1; }
.card.highlight { border-color: var(--blue); box-shadow: 0 12px 30px rgba(217,96,63,.12); }
.card-ico { font-size: 2rem; margin-bottom: 14px; }
.card-ico svg, .why span svg, .value span svg, .icon-figure svg { display: block; width: 46px; height: 46px; }
.why span, .value span { display: inline-flex; }
.card-photo { margin: -28px -28px 18px; border-radius: var(--radius) var(--radius) 0 0; overflow: hidden; }
.card-photo img { width: 100%; height: 170px; object-fit: cover; display: block; filter: saturate(1.08) contrast(1.03) brightness(1.02) sepia(.08) hue-rotate(-6deg); }
.photo-icon { display: inline-flex; width: 56px; height: 56px; border-radius: 50%; overflow: hidden; box-shadow: var(--shadow); }
.photo-icon img { width: 100%; height: 100%; object-fit: cover; display: block; filter: saturate(1.08) contrast(1.03) brightness(1.02) sepia(.08) hue-rotate(-6deg); }
.card h3 { font-size: 1.2rem; margin-bottom: 8px; }
.card p { color: var(--muted); font-size: .96rem; margin-bottom: 16px; }
.card-link { color: var(--blue); font-weight: 700; font-size: .92rem; }
.card-link:hover { text-decoration: underline; }

/* ===== Simulateur ===== */
.sim-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 50px; align-items: center; }
.sim-intro h2 { margin: 10px 0 14px; }
.sim-intro p { color: var(--muted); font-size: 1.05rem; }
.ticks { list-style: none; margin-top: 20px; display: grid; gap: 10px; }
.ticks li { padding-left: 30px; position: relative; font-weight: 600; }
.ticks li::before { content: "✓"; position: absolute; left: 0; top: 0; width: 20px; height: 20px; background: var(--green); color: #fff; border-radius: 50%; display: grid; place-items: center; font-size: .7rem; }
.sim-panel { background: #fff; border-radius: var(--radius); box-shadow: var(--shadow-lg); padding: 30px; border: 1px solid var(--line); }
.seg { display: flex; background: var(--bg-alt); border-radius: 999px; padding: 5px; margin-bottom: 20px; }
.seg-btn { flex: 1; padding: 10px; border: 0; background: none; border-radius: 999px; font-weight: 700; color: var(--muted); cursor: pointer; font-family: inherit; transition: .15s; }
.seg-btn.active { background: #fff; color: var(--navy); box-shadow: 0 2px 8px rgba(0,0,0,.08); }
.field { display: block; font-weight: 600; font-size: .9rem; color: var(--navy); margin-bottom: 16px; }
.field strong { color: var(--blue); }
.field input, .field select, .field textarea {
  width: 100%; margin-top: 7px; padding: 12px 14px; border: 1.5px solid var(--line); border-radius: var(--radius-sm);
  font-family: inherit; font-size: .98rem; color: var(--ink); background: #fff; transition: border-color .15s;
}
.field input[type=range] { padding: 0; border: 0; }
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--blue); }
.sim-results { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin: 22px 0; }
.res-box { background: var(--bg-alt); border-radius: var(--radius-sm); padding: 14px 16px; }
.res-box span { display: block; color: var(--muted); font-size: .78rem; font-weight: 600; }
.res-box strong { font-size: 1.25rem; color: var(--navy); }
.res-box.main { grid-column: 1 / -1; background: linear-gradient(135deg, var(--blue), var(--blue-dark)); }
.res-box.main span { color: #f5d3bf; }
.res-box.main strong { color: #fff; font-size: 1.9rem; }

/* ===== Comparateur ===== */
.filter-row { display: flex; gap: 10px; justify-content: center; flex-wrap: wrap; margin-bottom: 26px; }
.chip { padding: 9px 18px; border-radius: 999px; border: 1.5px solid var(--line); background: #fff; font-weight: 700; color: var(--muted); cursor: pointer; font-family: inherit; transition: .15s; }
.chip:hover { border-color: var(--blue); color: var(--blue); }
.chip.active { background: var(--blue); border-color: var(--blue); color: #fff; }
.table-wrap { overflow-x: auto; border-radius: var(--radius); border: 1px solid var(--line); box-shadow: var(--shadow); }
.compare-table { width: 100%; border-collapse: collapse; min-width: 680px; background: #fff; }
.compare-table th, .compare-table td { padding: 16px 18px; text-align: left; border-bottom: 1px solid var(--line); }
.compare-table thead th { background: var(--navy); color: #fff; font-size: .82rem; text-transform: uppercase; letter-spacing: .04em; }
.compare-table tbody tr:hover { background: var(--bg-alt); }
.compare-table .org { font-weight: 800; color: var(--navy); }
.tag { display: inline-block; padding: 3px 10px; border-radius: 999px; font-size: .76rem; font-weight: 700; background: #f6e2d2; color: var(--blue-dark); }
.rate { font-weight: 800; color: var(--green); font-size: 1.05rem; }
.center { text-align: center; }

/* ===== Process (dark) ===== */
.section-dark { background: var(--navy); color: #fff; }
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.step { background: var(--navy-2); border-radius: var(--radius); padding: 30px; border: 1px solid rgba(255,255,255,.08); }
.step-num { display: grid; place-items: center; width: 46px; height: 46px; border-radius: 12px; background: linear-gradient(135deg, var(--blue), var(--green)); font-weight: 800; font-size: 1.3rem; margin-bottom: 16px; }
.step h3 { margin-bottom: 8px; }
.step p { color: #d3c0b0; }

/* ===== Why ===== */
.why-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.why { padding: 26px; border-radius: var(--radius); background: var(--bg-alt); }
.why span { font-size: 1.8rem; }
.why h3 { font-size: 1.12rem; margin: 12px 0 6px; }
.why p { color: var(--muted); font-size: .95rem; }

/* ===== Stats ===== */
.stats { padding: 56px 0; }
.stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; text-align: center; }
.stats-grid strong { display: block; font-size: 2.6rem; font-weight: 800; color: var(--blue); }
.stats-grid span { color: var(--muted); font-weight: 600; }

/* ===== Testimonials ===== */
.testimonials { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.quote { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 28px; box-shadow: var(--shadow); }
.quote blockquote { font-size: 1.05rem; font-weight: 600; color: var(--navy); margin-bottom: 14px; }
.quote figcaption { color: var(--muted); font-size: .9rem; font-weight: 600; }

/* ===== Contact ===== */
.contact-grid { display: grid; grid-template-columns: 1fr 1.1fr; gap: 50px; align-items: start; }
.contact-copy h2 { margin: 8px 0 14px; }
.contact-copy p { color: var(--muted); font-size: 1.05rem; }
.contact-direct { margin-top: 26px; display: grid; gap: 6px; }
.contact-direct strong { color: var(--navy); }
.lead-form { background: #fff; border-radius: var(--radius); box-shadow: var(--shadow-lg); padding: 30px; border: 1px solid var(--line); }
.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.consent { display: flex; gap: 10px; align-items: flex-start; font-size: .85rem; color: var(--muted); margin-bottom: 18px; }
.consent input { margin-top: 4px; }
.consent a { color: var(--blue); text-decoration: underline; }
.form-msg { margin-top: 12px; font-weight: 700; text-align: center; }
.form-msg.ok { color: var(--green); }
.form-msg.err { color: #e2493b; }

/* ===== FAQ ===== */
.faq { display: grid; gap: 12px; }
.faq details { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-sm); padding: 4px 20px; }
.faq summary { cursor: pointer; font-weight: 700; padding: 16px 0; list-style: none; position: relative; padding-right: 30px; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; position: absolute; right: 0; top: 50%; transform: translateY(-50%); font-size: 1.4rem; color: var(--blue); font-weight: 400; }
.faq details[open] summary::after { content: "–"; }
.faq details p { color: var(--muted); padding-bottom: 18px; }

/* ===== Final CTA ===== */
.final-cta { background: linear-gradient(135deg, var(--blue), var(--green)); color: #fff; text-align: center; padding: 80px 0; }
.final-cta h2 { color: #fff; }
.final-cta p { margin: 12px 0 26px; font-size: 1.1rem; opacity: .95; }

/* ===== Footer ===== */
.site-footer { background: var(--navy); color: #ddd0c3; padding-top: 60px; }
.footer-grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1fr; gap: 30px; padding-bottom: 40px; }
.site-footer .brand { color: #fff; margin-bottom: 14px; }
.footer-desc { font-size: .9rem; max-width: 280px; }
.site-footer h4 { color: #fff; margin-bottom: 14px; font-size: .95rem; }
.footer-grid a { display: block; color: #b8a394; padding: 5px 0; font-size: .92rem; }
.footer-grid a:hover { color: #fff; }
.legal-note { border-top: 1px solid rgba(255,255,255,.1); padding-top: 22px; padding-bottom: 30px; }
.legal-note p { font-size: .8rem; color: #9c8879; }
.legal-note .copyright { margin-top: 10px; }

/* ===== Lien actif dans le menu ===== */
.nav a.active { color: var(--blue); font-weight: 700; }

/* ===== Bannière de page (pages internes) ===== */
.page-banner { background: linear-gradient(135deg, var(--navy) 0%, var(--navy-2) 100%); color: #fff; padding: 64px 0 56px; text-align: center; }
.page-banner h1 { font-size: clamp(1.9rem, 4vw, 2.8rem); margin-bottom: 12px; }
.page-banner p { color: #d3c0b0; font-size: 1.1rem; max-width: 620px; margin: 0 auto; }
.breadcrumb { color: #97836f; font-size: .85rem; font-weight: 600; margin-bottom: 16px; }
.breadcrumb a:hover { color: #fff; }

/* ===== Page "Qui sommes-nous" ===== */
.prose { max-width: 760px; margin: 0 auto; }
.prose h2 { margin: 34px 0 14px; }
.prose h3 { margin: 24px 0 8px; font-size: 1.2rem; }
.prose p { color: var(--muted); margin-bottom: 14px; }
.prose ul { color: var(--muted); margin: 0 0 14px 20px; }
.prose ul li { margin-bottom: 6px; }
.values-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; margin-top: 30px; }
.value { background: var(--bg-alt); padding: 24px; border-radius: var(--radius); }
.value span { font-size: 1.8rem; }
.value h3 { margin: 10px 0 6px; font-size: 1.1rem; }
.value p { color: var(--muted); font-size: .94rem; }

/* ===== Page de confirmation (merci) ===== */
.thanks { text-align: center; max-width: 640px; margin: 0 auto; padding: 30px 0; }
.thanks .check { width: 88px; height: 88px; border-radius: 50%; background: linear-gradient(135deg, var(--blue), var(--green)); color: #fff; display: grid; place-items: center; font-size: 2.6rem; margin: 0 auto 26px; box-shadow: var(--shadow-lg); }
.thanks h1 { margin-bottom: 14px; }
.thanks p { color: var(--muted); font-size: 1.12rem; margin-bottom: 10px; }
.thanks .ref { display: inline-block; margin-top: 18px; background: var(--bg-alt); border-radius: 999px; padding: 8px 18px; font-weight: 600; color: var(--navy); font-size: .95rem; }
.thanks .actions { margin-top: 30px; display: flex; gap: 12px; justify-content: center; flex-wrap: wrap; }

/* ===== Mentions légales ===== */
.legal-page { max-width: 800px; margin: 0 auto; }
.legal-page h2 { font-size: 1.3rem; margin: 30px 0 10px; padding-top: 20px; border-top: 1px solid var(--line); }
.legal-page h2:first-of-type { border-top: 0; padding-top: 0; }
.legal-page p, .legal-page li { color: var(--muted); margin-bottom: 12px; }
.legal-page ul { margin-left: 20px; }
.todo-note { background: #fff7e6; border: 1px solid #ffd97a; border-radius: var(--radius-sm); padding: 14px 18px; color: #8a6100; font-size: .9rem; margin: 10px 0; }
.todo-note strong { color: #6b4b00; }

/* ===== Responsive ===== */
@media (max-width: 900px) {
  .nav { display: none; }
  .nav.open { display: flex; position: absolute; top: 72px; left: 0; right: 0; flex-direction: column; background: #fff; padding: 18px 22px; border-bottom: 1px solid var(--line); box-shadow: var(--shadow); }
  .header-cta { display: none; }
  .burger { display: flex; }
  .hero-grid, .sim-grid, .contact-grid { grid-template-columns: 1fr; }
  .cards, .why-grid, .steps, .testimonials { grid-template-columns: 1fr 1fr; }
  .stats-grid { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .values-grid { grid-template-columns: 1fr; }
}
@media (max-width: 560px) {
  .section { padding: 56px 0; }
  .cards, .why-grid, .steps, .testimonials, .grid-2, .sim-results { grid-template-columns: 1fr; }
  .hero-points { gap: 12px; }
}